511 S Main St, Henderson, KY 42420 Property Records

Henderson County property record for 511 S Main St, Henderson, KY 42420

Property Summary

Property Type	Commercial
Details	2,940 sqft
Lot Size	0.514 acres (22,406 sqft)
Owner	Company Name on File
Tax Bill	$1,053 (2025)
Deeds & Mortgages	Apr 2008 Mortgage Aug 2006 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1-3-2-1`

Property Details

APN / Parcel Number

Primary APN	`1-3-2-1`
Alternative APN	`49708`

Interior

Stories	1 Story
Building Area	2,940 sqft Total Area
Basement Area	8,048 sqft
Office	2,940 sqft

Exterior

Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Block
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	22,406 sqft (0.514 acres)
Lot Dimensions	130 ft deep x 171 ft wide
Porch	Porch
Porch Area	1,316 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	49708
Street Address	511 S MAIN ST
City	HENDERSON
State	KY
Zip	42420-3559
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	COMMERCIAL BUILDING
Jurisdiction	HENDERSON KY
Township / Civil Division	HENDERSON
Census Block Group	2
Census Block	2023
Census Tract	20401

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the South Main and South Elm Streets Historic District listed 1992 · 130 contributing resources · NRIS 92000500

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

511 S Main St, a commercial property, is owned by a company that acquired it in December 2021.

Source: Henderson County records, as of November 24, 2025

Owner of Record	Company Name on File
Mailing Address	5794 STATE ROUTE 351 E, HENDERSON, KY 42420-9477
Owner Type	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2008	Deed of Trust, Mortgage · Commercial Mortgage HENDERSON NATIONAL BANK
Aug 29, 2006	Deed of Trust, Mortgage · Commercial Mortgage FIFTH THIRD BANK
Dec 2, 2021	Warranty Deed, Transfer
Sep 27, 2021	Deed, Transfer · Line of Credit FARMERS BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2021
Deed Sale	Dec 2, 2021
Prior Sale	Sep 27, 2021 · Amount on File
Deed Document Number	2021013937
Deed Book / Page	RE 0655 / 816
Record Updated	Jun 8, 2026

April 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	511 S MAIN ST, HENDERSON, KY 42420-3559
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001007/659
Date	Apr 15, 2008
Book Page	1007/659

Lender

Name	HENDERSON NATIONAL BANK
Address	HENDERSON, KY 42419

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	64 Months
Due	Aug 12, 2013

August 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	511 S MAIN ST, HENDERSON, KY 42420-3559
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000948/585
Date	Aug 29, 2006
Book Page	948/585

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	EVANSVILLE, IN 47705

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	5 Months
Due	Jan 17, 2007

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON KY
Recording Date	Dec 2, 2021
Property Address	511 S MAIN ST, HENDERSON, KY 42420-3588
Document Number	RE0655/816
Book / Page	RE 0655 / 816
Instrument Date	Dec 1, 2021
Instrument	2021013937
Transaction Type	Transfer
Record Updated	Feb 6, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5794 STATE ROUTE 351 E, HENDERSON, KY 42420-9477

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5794 STATE ROUTE 351 E, HENDERSON, KY 42420-9477

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Sep 27, 2021
Property Address	511 S MAIN ST, HENDERSON, KY 42420-3559
Document Number	RE0654/305
Book / Page	RE0654 / 305
Map Reference	MB 341 PG 545
Instrument Date	Aug 23, 2021
Instrument	2021011356
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Tax	$95.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2398 PACIFIC AVE, SAN FRANCISCO, CA 94115-1279

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5794 STATE ROUTE 351 E, HENDERSON, KY 42420-9477

Mortgage

Document Number	2021011357
Date	Sep 27, 2021
Instrument	2021011357

Lender

Name	FARMERS BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Sep 1, 2026

Tax Assessment & Valuation

The 2025 property tax bill for 511 S Main St was $1,053.

Source: Henderson County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Henderson County
Municipality	Henderson City
Unified School District	Henderson County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,053.00	$95,000	$95,000
2023	$1,062.00 (+0.95%)	$95,000 (-24%)	$95,000 (-24%)
2022	$1,052.00	$125,000	$125,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 511 S Main St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 8, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 511 S Main St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HENDERSON WATER UTILITY/NORTH serves 31,705 people · EPA ID KY0510188
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 297 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Henderson Municipal Power & Light Fiber	5,000 / 5,000
AT&T Fiber · Fixed Wireless	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Watch TV.

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